Mobile trivia app promises borrowers a chance to have debt paid. But game, which lets users pay for more chances at points and steers them to corporate partners, alarms some experts. Most users spend $4 a month, but company has imposed a limit of $2,500 a week.

A study finds that most borrowers exit loan default within a few years. But many still fail to make serious progress paying down their balances, and the options facing them are inconsistent and confusing.